Visa 📡 Contactless NFC

Kotak Air Plus Credit Card

Joining Fee₹3,000

Annual Fee₹3,000

Forex Markup 2%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent leisure and business travelers seeking 5% air miles on Kotak Unbox bookings, low 2% forex markup, domestic and international lounge visits, and 1:1 airline transfers.

Who Should Avoid

Users who rarely book travel or those unable to meet the ₹60,000 quarterly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

3,000 bonus Air Miles upon payment of joining fee and completing first retail transaction within 30 days

5 Air Miles per ₹100 on Travel

Earn 5 Air Miles per ₹100 (5% return) on flight and hotel bookings made via Kotak Unbox.

Domestic & International Airport Lounge Access

4 complimentary domestic lounge visits per year + 2 complimentary international lounge visits via Priority Pass.

Low 2% Forex Markup

Low foreign currency markup fee of 2.0% on international retail transactions.

💰 Reward Structure & Point Valuation

1 Air Miles = ₹1

Standard Base Earning

1 Air Mile per ₹100 spent on all other retail transactions (1.0% return; 1 Air Mile = ₹1.00)

Accelerated / Partner Rate

5 Air Miles per ₹100 (5.0% return) on Flight and Hotel bookings via Kotak Unbox; 2 Air Miles per ₹100 on international spends; Low 2.0% forex markup fee

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Flight and Hotel Bookings via Kotak Unbox Portal (1 Air Mile = ₹1.00), 1:1 Airline Miles Transfers (Air India, Singapore Airlines, Qatar Airways), Brand Vouchers & Electronics

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)

🌐

International Lounge Visits2 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹60,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹300,000/yr

Annual renewal fee of ₹3,000 + GST is waived off on spending ₹3,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (Capped at ₹300/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹60,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Kotak Air Plus Credit Card

Annual Fee: ₹3,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, Kotak Air Plus Credit Card has a joining fee of ₹3000 and an annual renewal fee of ₹3000 (plus applicable taxes).